Enter your average income below to estimate applicable free-cash in all major European cities. By free-cash we mean your disposable income, left in your pocket after paying tax, rent, insurance, public transport, food expenses and basic entertainment. How does it work?

average income is
₽ 77000

per

Your estimated

Best value All models

City

free-cash

Helsinki , Finland

₽13539

₽9312

₽18119

₽6864

S + D Salary + Dividends

Salary + Dividends. A combination of a fixed monthly income with a bonus at the end of the year.

Dividends

Dividends. A single payment made annually out of accumulated profits.

Salary

Salary. A fixed monthly income you pay yourself to cover your living expenses.

Sole trader

Sole trader. You're running your business as an individual with an unlimited responsibility

Sole trader

You can choose the amount to declare for pension contributions and choose a pension insurance company or a pension insurance fund you prefer to use; or you could opt out of pension contributions altogether. You can find more details on Finnish Centre for Pensions

77 000

municipal

13 722

health

762

national

5 389

total

19 873

Employee

53 456

64 776

health

399

573

municipal

8 756

10 595

pensions

3 608

4 373

unemployment

802

972

national

883

2 391

total

14 448

18 904

Employer

53 456

64 776

accident

unemployment

347

420

pensions

9 274

11 239

health

411

499

total

10 086

12 224

Corporate

13 458

77 000

income

2 692

15 400

total

2 692

15 400

Dividends

Finish residents use 75% of income from dividends as a base for income tax.

8 075

46 200

national

737

municipal

1 454

8 316

total

1 454

9 053

Income

77 000

Total tax

28 680

24 453

31 128

19 873

After tax

48 320

52 547

45 872

57 127

Living cost

39 008

Free-cash

9 312

13 539

6 864

18 119

Estimated living cost is ₽39008 per week

₽25480

Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.

₽3752

Public transport and taxi. Monthly travel card, and a few taxi rides per week.

₽621

Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.

₽9157

Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.

₽0

I'm drinking at home rarely or never.

₽0

I do not smoke or smoke very rarely.

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Additional information

Finland permits registration as a sole-trader only for EU nationals or long-term EU resident permit holders. Other nationals should set up a company and hire themselves as an employee.